"The game now begins. The dealer pushes out the top card, and the second card acted upon by the spring rises and fills its place. The second card is pushed off likewise laterally through the narrow slit constructed for the exit of all the cards. This pair thus drawn out const.i.tutes a "turn," the first one being the winning and the second the losing card; so that the first, third, fifth, and in the same progression throughout the fifty-two are winning cards, and the second, fourth and sixth, etc., are the losing cards. The betting is done this way: The player buys ivory checks and never uses money openly. The checks are white, red, blue, and purple. The white checks are one dollar each, the red five dollars, the blue twenty-five and the purple one hundred dollars.
"Having provided himself with the number of checks (which in size resemble an old-fashioned cent), he lays down any amount to suit his fancy on any one card upon the table--one of the thirteen described.
Suppose the deal is about to begin. He puts $100 in checks on the ace.
The dealer throws off the cards till finally an ace appears. If it be the third, fifth, seventh, etc., card the player wins, and the dealer pays him $100 in checks--the "bank"s" loss. If, however, it were the second, fourth, sixth, etc., card the dealer takes the checks and the bank is $100 winner. Should a player desire to bet on a card to lose, he expresses this intention by putting a "copper" in his checks, and then if the card is thrown off from the pack by the dealer as a losing card the player wins. This is practically all there is in faro.
"It should be remembered that the losing cards fall on one pile and the winning cards on another. When only four cards remain in the box there is generally lively betting as to how the three under cards will come out in precise order, the top one being visible. In this instance alone the player can treble his stake if fortunate in his prediction. This evolution is a "call."
"A tally board is kept, showing what cards remain in the box after each turn. This provision is to guard the player. Of course four of each kind are thrown from the box--four aces, etc.
"Some one will inquire how does the bank make it pay while taking such even chances? In this way. If two of a kind should come out in one "turn," as, for instance, two aces, half of the money bet on the ace, either to win or lose, goes to the bank. This is known as a "split.
They are very frequent, and large sums pa.s.s to the dealer through this channel. That is where the bank makes the money.
"Chamberlain says that if men were to study and labor ten thousand years they could never beat the bank, or rather the game. It is something which no one understands. When only one of a kind remains in the box, as an ace, for instance, to bet then that the card will come to win or to lose is just like throwing up a copper and awaiting the result, head or tail. So it will be seen that the bank is in a position where it has everything to risk.
"The playing is conducted largely by means of checks on the National banks of the city, men seldom carrying money about their persons. Here Mr. Chamberlain has to use his wits. A check given for gaming purposes is not valid in law. Therefore it is necessary to know his man--to be sure of his wealth, to be certain of his credit. It requires instantaneous decision. If the check is refused the drawer is mortally offended. But a few evenings since a city millionaire offered his check; it was declined. This was Chamberlain"s mistake. It is said that if a merchant repudiates his gambling check at the bank it will destroy his credit in commercial circles. This is the only safeguard upon which the faro bank relies. It shows, however, to what a dangerous extent gambling has laid hold of the mercantile community, how rottenness is at this hour the inward germ of apparent soundness, and how heads of heavy concerns fritter away their capital at faro.
"The largest number of business men who play at Chamberlain"s are stock brokers, and these persons say openly that it is a fairer game than the cunning and unscrupulous gambling of Wall street. The brokers, as well as other patrons, go in the night time to try and regain what they lost by day in speculation. Thus they alternate between one gaming resort and the other throughout the year. At the faro table they may lose several thousand dollars; but this they consider equivalent pay for rich suppers, costly wines, fine cigars and a merry time, and they are willing to pay for fun.
"Besides the opportunities which Chamberlain affords to his patrons to lose or win, as luck may direct, he keeps a sort of midnight national bank, where he will cash a check for any man he knows as a reliable party, and many who never think of gambling take advantage of his accommodating spirit. This is why he is reputed a good and valuable neighbor.
"How skilfully contrived are all these minutiae of a gambling palace!
They seduce even those who would gladly have never seen a game of chance, and before one is aware of his danger he is past redemption."
Next to the first-cla.s.s houses come the Second-Cla.s.s Houses, or "h.e.l.ls,"
as they are called in the city. These lie princ.i.p.ally along Broadway and the side streets leading from it, and in the Bowery. They are numerous, and are the most frequented by strangers. They are neither as elegantly furnished, nor as exclusive as to their guests, as the first-cla.s.s houses. Any one may visit them, and they keep a regular force of runners, or "ropers in," for the purpose of enticing strangers within their walls. They are located over stores, as a general rule, and the Broadway establishments usually have a number of flashily-dressed, vulgar-looking men about their doors in the day time, who are insufferably rude to ladies pa.s.sing by.
[Picture: THE SKIN GAME.]
Faro is the usual game played at these houses, but it is a very different game from that which goes on under the supervision of John Chamberlain.
In gambler"s parlance, it is called a "skin game." In plain English it means that the bank sets out to win the player"s money by deliberate and premeditated fraud. In first-cla.s.s houses a visitor is never urged to play. Here every guest must stake his money at the risk of encountering personal violence from the proprietor or his a.s.sociates. The dealer is well skilled in manipulating the cards so as to make them win for the bank always, and every effort is made to render the victim hazy with liquor, so that he shall not be able to keep a clear record in his mind of the progress of the game. A common trick is to use sanded cards, or cards with their surfaces roughened, so that two, by being handled in a certain way, will adhere and fall as one card. Again, the dealer will so arrange his cards as to be sure of the exact order in which they will come out. He can thus pull out one card, or two at a time, as the "necessities of the bank" may require. Frequently no tally is kept of the game, and the player is unable to tell how many turns have been made--whether the full number or less. Even if the fraud is discovered, the visitor will find it a serious matter to attempt to expose it. The majority of the persons present are in the pay of the bank, and all are operating with but one object--to get possession of the money of visitors. The slightest effort at resistance will ensure an a.s.sault, and the guest is either beaten and thrown into the street, or he is robbed and murdered, and his body thrown into the river. There are always men hanging around these places who are on the watch for an opportunity to commit a robbery. The most notorious burglars and criminals of the city visit these h.e.l.ls. They keep a close watch over visitors who stay until the small hours of the morning, especially upon those who are under the influence of liquor. They follow them down into the dark and silent streets, and, at a favorable moment, spring upon them, knock them senseless and rob them. If necessary to ensure their own safety, they do not hesitate to murder their victims.
Many persons coming to the city yield to the temptation to visit these places, merely to see them. They intend to lose only a dollar or two as the price of the exhibition. Such men voluntarily seek the danger which threatens them. Nine out of ten who go there merely through curiosity, lose all their money. The men who conduct the "h.e.l.l" understand how to deal with such cases, and are rarely unsuccessful.
It is in these places that clerks and other young men are ruined. They lose, and play again, hoping to make good their losses. In this way they squander their own means; and too frequently commence to steal from their employers, in the vain hope of regaining all they have lost.
There is only one means of safety for all cla.s.ses--_Keep away from the gaming table altogether_.
At first gambling was carried on only at night. The fascination of the game, however, has now become so great, that day gambling houses have been opened in the lower part of the city. These are located in Broadway, below Fulton street, and in one or two other streets within the immediate neighborhood of Wall street.
These "houses," as they are called, are really nothing more than rooms.
They are located on the top floor of a building, the rest of which is taken up with stores, offices, etc. They are managed on a plan similar to the night gambling houses, and the windows are all carefully closed with wooden shutters, to prevent any sound being heard without. The rooms are elegantly furnished, brilliantly lighted with gas, and liquors and refreshments are in abundance. As the stairway is thronged with persons pa.s.sing up and down, at all hours of the day, no one is noticed in entering the building for the purpose of play. The establishment has its "runners" and "ropers in," like the night houses, who are paid a percentage on the winnings from their victims, and the proprietor of the day house is generally the owner of a night house higher up town.
Square games are rarely played in these houses. The victim is generally fleeced. Men who gamble in stocks, curbstone brokers, and others, vainly endeavor to make good a part of their losses at these places. They are simply unsuccessful. Clerks, office-boys, and others, who can spend but a few minutes and lose only a few dollars at a time, are constantly seen in these h.e.l.ls. The aggregate of these slight winnings by the bank is very great in the course of the day. Pickpockets and thieves are also seen here in considerable numbers. They do not come to practise their arts, for they would be shown no mercy if they should do so, but come to gamble away their plunder, or its proceeds.
It is not necessary to speak of the evils of gambling, of the effect of the vice upon society. I have merely to describe the practice as it prevails here. New York is full of the wrecks it has made. Respectable and wealthy families there are by the score whose means have been squandered on the green cloth. There are widows and orphans here whose husbands and fathers have been driven into suicide by gambling losses.
The State Prisons hold men whose good names have been blasted, and whose souls have been stained with crime in consequence of this vice. Yet the evil is suffered to grow, and no honest effort is made to check it.
II. LOTTERIES.
The lottery business of New York is extensive, and, though conducted in violation of the law, those who carry it on make scarcely a show of secrecy.
The princ.i.p.al lottery office of the city is located on Broadway, near St.
Paul"s church. It is ostensibly a broker"s office, and the windows display the usual collection of gold and silver coins, bills, drafts, etc. At the rear end of the front room is a door which leads into the office in which lottery tickets are sold. It is a long, narrow apartment, lighted from the ceiling, and so dark that the gas is usually kept burning. A high counter extends along two sides of the room, and the walls back of this are lined with handbills setting forth the schemes of the various lotteries. Two large black-boards are affixed to the wall back of the main counter, and on these are written the numbers as soon as the drawings have been made. There is always a crowd of anxious faces in this room at the hour when the drawings are received.
The regular lotteries for which tickets are sold here, are the Havana Lottery, which is conducted by the Government of the Island of Cuba, the Kentucky State Lottery, drawn at Covington, Kentucky, and the Missouri State Lottery, drawn at St. Louis, Mo.
The Havana Lottery is managed on the single number plan. There are 26,000 tickets and 739 prizes. The 26,000 tickets are put in the wheel, and are drawn out one at a time. At the same time another ticket inscribed with the amount of a prize is drawn from another wheel, and this prize is accorded to the number drawn from the ticket wheel. This is continued until the 739 prizes have been disposed of.
The Kentucky and Missouri lotteries are drawn every day at noon, and every night. The prizes are neither as large nor as numerous as in the Havana lottery. The drawings are made in public, and the numbers so drawn are telegraphed all over the country to the agents of the lottery.
"The lottery schemes are what is known as the ternary combination of seventy-eight numbers, being one to seventy-eight, inclusive; or in other words, "three number" schemes. The numbers vary with the day. To-day seventy-eight numbers may be placed in the wheel and fourteen of them drawn out. Any ticket having on it three of the drawn numbers takes a prize, ranging from fifty thousand dollars to three hundred dollars, as the scheme may indicate for the day. Tickets with two of the drawn numbers on them pay an advance of about a hundred per cent. of their cost. Tickets with only one of the drawn numbers on them get back first cost. On another day only seventy-five numbers will be put in the wheel, and only twelve or thirteen drawn out. And so it goes.
"The owners or managers of these concerns are prominent sporting men and gamblers of New York and elsewhere. Considerable capital is invested.
It is said that it takes nearly two million dollars to work this business, and that the profits average five hundred thousand dollars or more a year. The ticket sellers get a commission of twelve per cent. on all sales. The tickets are issued to them in lots, one set of combinations going to one section of the country this week, another next; and all tickets unsold up to the hour for the drawing at Covington, are sent back to headquarters. In this way many prizes are drawn by tickets which remain unsold in dealers" hands after they have reported to the agents; and the lottery makes it clear."
It is argued that lotteries, if managed by honest men, are of necessity fair. This is true; but there is a vast amount of questionable honesty in the whole management. The numbers may be so manipulated as to be entirely in favor of the proprietors, and in the fairest lottery the chances are always very slim in favor of the exact combination expressed on any given ticket being drawn from the wheel. The vast majority of ticket buyers never receive a cent on their outlay. They simply throw their money away. Yet all continue their ventures in the hope that they may at some time draw a lucky number. The amount annually expended in this city in the purchase of lottery tickets is princely. The amount received in prizes is beggarly. The effect upon the lottery gamblers is appalling. Men and women of all ages are simply demoralized by it. They neglect their legitimate pursuits, stint themselves and their families, commit thefts and forgeries, and are even driven into madness and suicide by the hope of growing rich in a day.
III. POLICY DEALING.
Policy dealing is closely allied with the lottery business, and is carried on by the agents for their own benefit. It is one of the most dangerous forms of gambling practised in the city. It consists of betting on certain numbers, within the range of the lottery schemes, being drawn at the noon or evening drawings. You can take any three numbers of the seventy-eight, and bet, or "policy" on them. You may bet on single numbers, or on combinations. The single number may come out anywhere in the drawing. It is called a "Day Number," and the player deposits one dollar in making his bet. If the number is drawn, he wins five dollars. The stake is always one dollar, unless a number of bets of the same description are taken. Two numbers const.i.tute a "Saddle," and both being drawn, the player wins from twenty-four dollars to thirty-two dollars. Three numbers const.i.tute a "Gig," and win $150 to $225. Four numbers make a "Horse," and win $640. A "Capital Saddle" is a bet that two numbers will be among the first three drawn, and wins $500. A "Station Number" is a bet that a given number will come out in a certain place--for instance, that twenty-four will be the tenth number drawn,--and this wins sixty dollars. Any number of "Saddles," "Gigs," or "Horses," may be taken by a single player.
All this seems very simple, and indeed it is so simple that the merest child ought to understand it. The policy dealers know that the chances are always against a single number being drawn, and still greater against the drawing of a combination. Therefore they offer an enormous advance upon the amount staked, knowing that they are as sure of winning as they could desire to be. A man might play policy for a year, and never see his numbers drawn. Yet thousands annually throw away large sums in this wretched game. A large share of the earnings of the poor go in policy playing. It seems to exercise a terrible fascination over its victims.
They concentrate all their efforts on devising systems and lucky numbers, and continue betting in the vain hope that fortune will yet reward them with a lucky "gig" or "saddle." All the while they grow poorer, and the policy dealers richer. The negroes are most inveterate policy players.
They are firm believers in dreams and dream books. Every dream has its corresponding number set down in the books. To dream of a man, is one; of a woman, five; of both, fifteen; of a colored man, fourteen; of a "_genteel_ colored man," eleven; and so on. A publishing firm in Ann street sells several thousand copies of these dream books every month.
The negroes are not the only purchasers. Even men accounted "shrewd" in Wall street are among the number. Indeed Wall street furnishes some of the most noted policy players in the city.
The policy offices are generally dingy little holes, and may be recognized by the invariable sign, "Exchange," over the door or in the window. They are located princ.i.p.ally in the most wretched quarters of the city.
Visitors to the Lunatic Asylum and the Almshouse may see a number of instances of the fatal results of policy playing.
LXVI. PETER COOPER.
Peter Cooper was born in New York, on the 12th of February, 1791. His maternal grandfather, John Campbell, was Mayor of New York and Deputy Quartermaster General during the Revolution, and his father was a lieutenant in the Continental army. After the return of peace, Lieutenant Cooper resumed his avocation as a hatter, in which he continued until his death. It required close attention to business and hard work to make a living in those days, and as soon as young Peter was old enough to pick the fur from the rabbit skins which were used in making hats, he was set to work. He had no opportunity to go to school.
"I have never had any time to get an education," he once said, "and all that I know I have had to pick up as I went along." He continued in the hat trade until he had thoroughly mastered it, and afterwards became a brewer, pursuing this trade for two years, at the end of which time he apprenticed himself to a coachmaker. Upon completing his term at this trade, he engaged with his brother in the cloth-shearing business, and continued in it until the general introduction of foreign cloths, after the War of 1812, made it unprofitable. He then became a cabinet maker, but soon after opened a small grocery store on the present site of the Cooper Inst.i.tute.
With his savings he purchased a woollen factory, which he conducted successfully, and some time after this, enlarged his operations by manufacturing glue. In 1830 he erected large iron works at Canton, one of the suburbs of Baltimore, and he subsequently carried on extensive iron and wire works at Trenton, New Jersey. The greater part of his fortune has been gained by the manufacture of iron and glue. He was the first person to roll wrought iron beams for fire-proof buildings, and soon after opening his Baltimore works, he manufactured there, from his own designs, the first locomotive ever made in America. He has been interested in various enterprises, the majority of which have proved successful, and has shown a remarkable capacity for conducting a number of entirely different undertakings at the same time. He is now very wealthy, and has made every dollar of his fortune by his own unaided exertions. He resides in a handsome mansion in Grammercy Park, but lives simply and without ostentation.
He does not enjoy the marked respect and popularity of which he never fails to receive hearty evidences when he appears in public, because of his success alone. He is one of the princ.i.p.al benefactors of the city, and has placed the whole community under heavy obligations to him by his n.o.ble gift to the public of the Cooper Inst.i.tute, which inst.i.tution has been described in another chapter.